1046 Cedar Cir, Langley, WA 98260 Property Records

Island County property record for 1046 Cedar Cir, Langley, WA 98260

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,514 sqft · built 1997
Lot Size	0.437 acres (19,034 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Oct 2018)
Tax Bill	$7,209 (2026)
Deeds & Mortgages	May 2020 Line of Credit Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S6362-00-00015-0`

Property Details

APN / Parcel Number

Primary APN	`S6362-00-00015-0`
Alternative APN	`678485`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,514 sqft Living Area
1st Floor Area	2,157 sqft
Upper Floors Area	336 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	19,034 sqft (0.437 acres)
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	699 sqft
Storage Building	50 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1046 CEDAR CIR
City	LANGLEY
State	WA
Zip	98260-9204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LG
Legal Description	THE CEDARS LOT 15
Legal Subdivision	THE CEDARS
Legal Lot Number	15
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3008
Census Tract	972000

Owner

1046 Cedar Cir is owned by an individual who bought it in October 2018.

Source: Island County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1149, LANGLEY, WA 98260-1149
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 19, 2018	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2018 · Amount on File
Deed Sale	Oct 19, 2018 · Amount on File
Prior Sale	Dec 1, 2004 · Amount on File
Deed Document Number	20184453705
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1046 CEDAR CIR, LANGLEY, WA 98260-9204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004487357
Date	May 27, 2020
Instrument	4487357

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Feb 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Oct 19, 2018
Property Address	1046 CEDAR CIR, LANGLEY, WA 98260-9204
Document Number	0004453705
Map Reference	VOL13 PG82-86
Instrument Date	Oct 15, 2018
Instrument	4453705
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND TITLE & ESCROW OF ISLAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 CEDAR CIR, LANGLEY, WA 98260-9204

Mortgage

Document Number	0004453706
Date	Oct 19, 2018
Instrument	4453706

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1046 Cedar Cir was $7,209.

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Municipality	Langley City
Unified School District	South Whidbey School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,209.00
2025		$859,493 Land $270,000 Building $589,493	$859,493 Land $270,000 Building $589,493
2023	$6,027.00	$873,655 (+10.16%) Land $270,000 Building $603,655	$873,655 (+10.16%) Land $270,000 Building $603,655
2022		$793,043 Land $240,000 Building $553,043	$793,043 Land $240,000 Building $553,043

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1046 Cedar Cir in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective June 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1980–2022)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Severe Winter Storms, Land & Muds Slides,flooding, Jan 1997 · 7 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1046 Cedar Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LANGLEY serves 1,416 people · EPA ID WA5345950
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Whidbey Telephone Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Astound Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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